5 Questions to Ask While Getting an Auto Insurance Quote

Auto insurance is required by law in most places and is an absolute necessity for anyone who owns or operates a car to protect them from liability. Getting an insurance quote is a great way to determine your expected costs and coverage, but what other information do you need? Make sure to read the following top 5 questions to ask when getting a car insurance quote so you can get the answers you need to make an educated decision.

Question 1: Will you match competitor’s rates?

Most people just assume that the price you see is the price you’ll pay, but many insurance companies will match competitor’s rates if they offer the same or similar coverage plans. This can be a great way to stay with a company you trust or that has been recommended to you by family or friends without paying more for the same coverage. Even if your potential provider doesn’t budge on the price, it will never hurt you to ask.

Question 2: Do you offer student discounts?

As a high school or college student, when getting car insurance quotes for your first car, a student discount can be a lifesaver. However, these discounts generally only come if you make pretty good grades. They are not awarded simply for being enrolled in school. That being said, a cheaper insurance payment and another reason to work hard in school can only help!

 

Question 3: Can I lock in my rate by prepaying over a period of time?

One thing you want to be sure of when buying car insurance is that your agent can’t just suddenly hike up your rate and leave you forced to pay it or find someone else. One way to avoid this is by prepaying your insurance, or by paying for a large block of time all at once. This will lock in your rate, and you’ll be covered until your policy expires. It’s advisable to buy the longest policy you can afford, so you don’t have to worry about constantly making payments or having your rates raised on you unexpectedly.

Question 4: How will my rates and coverage be affected if I need to make a claim?

While they want you to believe that it will be easy for you to make a claim against your policy if you ever need it, the truth is that insurance companies are greedy. They will likely do anything they can to avoid paying out on a policy if they think they can get away with it. Figure out how your plan will be affected if you make a claim, and get it in writing before you open your policy, just to be safe.

Question 5: Are there any other discounts you offer that I can’t get elsewhere?

Many insurance companies offer discounts for a clean driving record, driving under a certain number of miles per day, or simply for not being arrested or charged with a DUI. The only way to be sure you aren’t missing out is to ask! And don’t worry, they’ll tell you about everything they offer if they are worried about losing you as a customer. Happy hunting!

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